Fifth Third Bancorp (FITBP) Financials

$24.58 +0.20 (+0.82%)

Closing price 08/22/2025 03:59 PM Eastern

Extended Trading

$24.56 -0.02 (-0.08%)

As of 08/22/2025 04:04 PM Eastern

Annual Income Statements for Fifth Third Bancorp

This table shows Fifth Third Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	1,414	1,637	1,472	2,105	2,118	2,419	1,323	2,659	2,330	2,212	2,155
Consolidated Net Income / (Loss)	1,483	1,706	1,543	2,180	2,193	2,512	1,427	2,770	2,446	2,349	2,314
Net Income / (Loss) Continuing Operations	1,483	1,706	1,543	2,180	2,193	2,512	1,427	2,770	2,446	2,349	2,314
Total Pre-Tax Income	2,028	2,365	2,208	2,979	2,765	3,202	1,797	3,517	3,093	2,988	2,916
Total Revenue	6,052	6,536	6,311	7,022	6,930	8,333	7,612	7,888	8,375	8,708	8,479
Net Interest Income / (Expense)	3,579	3,533	3,615	3,798	4,140	4,797	4,782	4,770	5,609	5,827	5,630
Total Interest Income	4,030	4,028	4,193	4,489	5,183	6,254	5,572	5,211	6,587	9,760	10,426
Loans and Leases Interest Income	3,298	3,151	3,233	3,478	4,078	5,051	4,424	4,079	4,954	7,334	7,477
Investment Securities Interest Income	724	869	952	996	1,080	1,162	1,119	1,090	1,517	1,770	1,839
Other Interest Income	8.00	8.00	8.00	15	25	41	29	42	116	656	1,110
Total Interest Expense	451	495	578	691	1,043	1,457	790	441	978	3,933	4,796
Deposits Interest Expense	202	186	205	277	538	892	322	59	447	2,929	3,736
Short-Term Borrowings Interest Expense	2.00	2.00	10	30	29	28	14	2.00	108	247	157
Long-Term Debt Interest Expense	247	306	361	378	446	508	452	380	417	742	892
Federal Funds Purchased and Securities Sold Interest Expense	0.00	1.00	2.00	6.00	30	29	2.00	0.00	6.00	15	11
Total Non-Interest Income	2,473	3,003	2,696	3,224	2,790	3,536	2,830	3,118	2,766	2,881	2,849
Other Service Charges	1,615	2,192	1,850	2,448	1,893	2,736	1,442	1,604	751	1,873	1,810
Net Realized & Unrealized Capital Gains on Investments	21	9.00	10	4.00	-69	43	62	-9.00	-84	18	15
Investment Banking Income	407	418	-	-	444	487	520	586	570	581	647
Other Non-Interest Income	430	384	432	353	522	270	804	937	1,529	409	377
Provision for Credit Losses	315	396	343	261	207	471	1,097	-377	563	515	530
Total Non-Interest Expense	3,709	3,775	3,760	3,782	3,958	4,660	4,718	4,748	4,719	5,205	5,033
Salaries and Employee Benefits	1,449	1,525	1,612	1,633	2,115	2,418	2,590	2,626	2,554	2,694	2,763
Net Occupancy & Equipment Expense	646	669	651	657	700	883	842	838	868	943	966
Marketing Expense	-	-	-	-	147	162	104	107	118	126	115
Other Operating Expenses	1,614	1,581	1,497	1,492	996	1,197	1,182	1,177	1,179	1,442	1,189
Income Tax Expense	545	659	665	799	572	690	370	747	647	639	602
Preferred Stock Dividends Declared	67	75	75	75	75	93	104	111	116	137	159
Basic Earnings per Share	$1.68	$2.03	$1.92	$2.86	$3.11	$3.38	$1.84	$3.78	$3.38	$3.23	$3.16
Weighted Average Basic Shares Outstanding	833.12M	798.63M	757.43M	728.29M	673.35M	710.43M	714.73M	702.19M	688.63M	684.17M	682.16M
Diluted Earnings per Share	$1.66	$2.01	$1.91	$2.81	$3.06	$3.33	$1.83	$3.73	$3.35	$3.22	$3.14
Weighted Average Diluted Shares Outstanding	842.97M	807.66M	764.50M	740.69M	685.49M	720.07M	719.74M	711.20M	694.95M	687.68M	687.30M
Weighted Average Basic & Diluted Shares Outstanding	841.70M	806.40M	763.60M	736M	681M	709.55M	708.70M	683.68M	678.59M	681.22M	665.62M
Cash Dividends to Common per Share	$0.51	$0.52	$0.53	$0.60	$0.74	$0.94	$1.08	$1.14	$1.26	$1.36	$1.44

This table shows Fifth Third Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Income / (Loss) Attributable to Common Shareholders	699	535	562	623	492	480	561	532	582	478	591
Consolidated Net Income / (Loss)	737	558	601	660	530	520	601	573	620	515	628
Net Income / (Loss) Continuing Operations	737	558	601	660	530	520	601	573	620	515	628
Total Pre-Tax Income	912	718	775	846	649	658	764	728	766	653	808
Total Revenue	2,311	2,213	2,183	2,153	2,159	2,094	2,082	2,132	2,171	2,131	2,245
Net Interest Income / (Expense)	1,577	1,517	1,457	1,438	1,415	1,384	1,387	1,421	1,438	1,437	1,495
Total Interest Income	2,074	2,213	2,370	2,529	2,648	2,608	2,620	2,669	2,529	2,432	2,484
Loans and Leases Interest Income	1,575	1,714	1,831	1,899	1,890	1,859	1,871	1,910	1,837	1,816	1,881
Investment Securities Interest Income	440	439	437	444	450	455	458	461	465	451	458
Other Interest Income	59	60	102	186	308	294	291	298	227	165	145
Total Interest Expense	497	696	913	1,091	1,233	1,224	1,233	1,248	1,091	995	989
Deposits Interest Expense	299	478	655	844	952	954	958	968	856	743	732
Short-Term Borrowings Interest Expense	53	57	90	52	48	47	48	40	22	56	59
Long-Term Debt Interest Expense	143	156	163	193	230	220	224	238	210	194	196
Federal Funds Purchased and Securities Sold Interest Expense	2.00	5.00	5.00	2.00	3.00	3.00	3.00	2.00	3.00	2.00	2.00
Total Non-Interest Income	734	696	726	715	744	710	695	711	733	694	750
Other Service Charges	-353	489	529	365	490	259	443	332	626	451	489
Net Realized & Unrealized Capital Gains on Investments	1.00	4.00	7.00	-7.00	14	10	3.00	10	-8.00	-9.00	16
Investment Banking Income	140	146	143	145	147	161	159	163	164	172	166
Other Non-Interest Income	945	57	47	212	93	280	90	206	-49	80	79
Provision for Credit Losses	181	164	177	119	55	94	97	160	179	174	173
Total Non-Interest Expense	1,218	1,331	1,231	1,188	1,455	1,342	1,221	1,244	1,226	1,304	1,264
Salaries and Employee Benefits	654	757	650	629	658	753	656	690	664	750	698
Net Occupancy & Equipment Expense	229	236	233	236	238	241	235	240	250	252	250
Marketing Expense	31	29	31	35	31	32	34	26	-2.00	28	43
Other Operating Expenses	304	309	317	288	528	316	296	288	314	274	273
Income Tax Expense	175	160	174	186	119	138	163	155	146	138	180
Preferred Stock Dividends Declared	38	23	39	37	38	40	40	41	38	37	37
Basic Earnings per Share	$1.02	$0.78	$0.82	$0.91	$0.72	$0.70	$0.82	$0.78	$0.86	$0.71	$0.88
Weighted Average Basic Shares Outstanding	688.63M	684.02M	684.03M	684.22M	684.17M	685.75M	686.78M	680.90M	682.16M	671.05M	670.79M
Diluted Earnings per Share	$1.00	$0.78	$0.82	$0.91	$0.71	$0.70	$0.81	$0.78	$0.85	$0.71	$0.88
Weighted Average Diluted Shares Outstanding	694.95M	689.57M	686.39M	687.06M	687.68M	690.63M	691.08M	686.11M	687.30M	676.04M	674.03M
Weighted Average Basic & Diluted Shares Outstanding	678.59M	680.72M	680.89M	681.02M	681.22M	684.04M	676.80M	670.54M	665.62M	667.49M	661.89M
Cash Dividends to Common per Share	-	$0.33	$0.33	$0.35	-	$0.35	$0.35	$0.37	-	$0.37	$0.37

This table details how cash moves in and out of Fifth Third Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-87	10,641	-148	122	167	597	-131	-153	472	-324	-128
Net Cash From Operating Activities	2,076	-40	2,091	1,480	2,856	1,824	371	2,704	6,428	4,509	2,824
Net Cash From Continuing Operating Activities	2,076	-40	2,091	1,480	2,856	1,824	371	2,704	6,428	4,509	2,824
Net Income / (Loss) Continuing Operations	1,483	0.00	1,543	2,180	2,193	2,512	1,427	2,770	2,446	2,349	2,314
Consolidated Net Income / (Loss)	1,483	-	1,543	2,180	2,193	2,512	1,427	2,770	2,446	2,349	2,314
Provision For Loan Losses	315	-	343	261	207	471	1,097	-377	563	515	530
Depreciation Expense	414	441	453	341	360	472	492	349	436	462	495
Non-Cash Adjustments to Reconcile Net Income	576	-279	-448	-722	-531	-1,482	-2,151	201	2,773	823	43
Changes in Operating Assets and Liabilities, net	-712	-202	182	-580	627	-149	-494	-239	210	360	-558
Net Cash From Investing Activities	-8,938	9,180	-2,864	428	-4,141	-797	-31,902	-7,968	-4,871	-9,488	1,039
Net Cash From Continuing Investing Activities	-8,938	9,180	-2,864	428	-4,141	-797	-31,902	-7,968	-4,871	-9,488	1,039
Purchase of Property, Leasehold Improvements and Equipment	-282	-164	-312	-231	-192	-304	-358	-281	-472	-428	-349
Purchase of Investment Securities	-16,625	5,243	-24,962	-15,850	-20,155	-16,004	-5,784	-13,563	-30,844	-6,269	-7,129
Sale of Property, Leasehold Improvements and Equipment	24	37	82	40	115	90	33	19	2.00	7.00	24
Divestitures	-	-	0.00	-	-	-	19	0.00	66	0.00	6.00
Sale and/or Maturity of Investments	7,945	4,064	22,547	16,513	16,134	14,211	-25,812	10,009	35,369	-6,156	12,027
Other Investing Activities, net	-	-	-	-	-	1,210	-	-3,721	-8,992	3,358	-3,540
Net Cash From Financing Activities	6,775	1,501	625	-1,786	1,452	-430	31,400	5,111	-1,085	4,655	-3,991
Net Cash From Continuing Financing Activities	6,775	1,501	625	-1,786	1,452	-430	31,400	5,111	-1,085	4,655	-3,991
Net Change in Deposits	2,437	1,493	1,146	-659	5,673	3,742	32,019	10,734	-5,994	5,222	-1,660
Issuance of Debt	6,746	3,091	5,763	2,490	2,438	2,372	2,557	562	11,576	11,036	7,349
Repayment of Debt	-1,421	-2,233	-5,119	-1,969	-4,572	-4,212	-2,617	-3,796	-5,555	-10,288	-7,814
Repurchase of Common Equity	-654	-850	-661	-1,605	-1,453	-1,763	0.00	-1,393	-100	-200	-625
Payment of Dividends	-490	-	-454	-505	-565	-753	-858	-897	-927	-1,060	-1,176
Other Financing Activities, Net	-140	-	-50	462	-69	-58	-47	-99	-85	-55	-65

This table details how cash moves in and out of Fifth Third Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Change in Cash & Equivalents	398	-686	-186	243	305	-346	41	378	-201	-5.00	-37
Net Cash From Operating Activities	2,073	1,321	480	636	2,072	386	679	1,860	-101	1,233	1,306
Net Cash From Continuing Operating Activities	2,073	1,321	480	636	2,072	386	679	1,860	-101	1,233	1,306
Net Income / (Loss) Continuing Operations	737	558	601	660	530	520	602	572	620	515	627
Consolidated Net Income / (Loss)	737	558	601	660	530	520	602	572	620	515	627
Provision For Loan Losses	180	164	177	119	55	94	97	160	179	174	173
Depreciation Expense	112	117	115	115	115	128	120	123	124	135	138
Non-Cash Adjustments to Reconcile Net Income	885	343	-55	217	318	43	-132	126	6.00	267	-115
Changes in Operating Assets and Liabilities, net	159	139	-358	-475	1,054	-399	-8.00	879	-1,030	142	483
Net Cash From Investing Activities	-3,774	-2,363	401	-6,693	-833	-229	1,280	-1,155	1,143	-67	2,442
Net Cash From Continuing Investing Activities	-3,774	-2,363	401	-6,693	-833	-229	1,275	-1,150	1,143	-67	2,442
Purchase of Property, Leasehold Improvements and Equipment	-153	-94	-122	-84	-128	-56	-75	-156	-62	-130	-191
Purchase of Investment Securities	-29,179	-2,061	-3,721	962	-1,449	-2,156	-44	-2,647	-2,282	-2,184	-1,866
Sale and/or Maturity of Investments	27,104	1,241	3,422	-9,030	-1,789	1,436	1,672	2,018	6,901	4,841	4,974
Other Investing Activities, net	-1,567	-1,452	822	1,459	2,529	526	-279	-424	-3,363	-2,594	-475
Net Cash From Financing Activities	2,099	356	-1,067	6,300	-934	-503	-1,918	-327	-1,243	-1,171	-3,785
Net Cash From Continuing Financing Activities	2,099	356	-1,067	6,300	-934	-503	-1,918	-327	-1,243	-1,171	-3,785
Net Change in Deposits	2,039	-715	1,153	3,544	1,240	675	-2,819	1,572	-1,088	-1,747	-1,298
Issuance of Debt	9,573	6.00	29	4,248	6,753	1,495	1,011	740	4,103	1,998	1,530
Repayment of Debt	-9,182	1,606	-1,981	-1,265	-8,648	-2,344	305	-2,112	-3,663	-844	-3,728
Payment of Dividends	-227	-294	-265	-225	-276	-287	-280	-320	-289	-297	-284
Other Financing Activities, Net	-4.00	-47	-3.00	-2.00	-3.00	-42	-10	-7.00	-6.00	-56	-5.00

This table presents Fifth Third Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	138,706	141,048	142,177	142,081	146,069	169,369	204,680	211,116	207,452	214,574	212,927
Cash and Due from Banks	3,091	2,540	2,392	2,514	2,681	3,278	3,147	2,994	3,466	3,142	3,014
Trading Account Securities	22,955	29,500	31,619	32,706	33,587	36,906	38,397	39,006	52,239	51,933	52,351
Loans and Leases, Net of Allowance	88,762	91,310	90,845	90,774	94,162	108,356	106,329	110,158	119,286	114,912	117,439
Loans and Leases	90,084	92,582	92,098	91,970	95,265	109,558	108,782	112,050	121,480	117,234	119,791
Allowance for Loan and Lease Losses	1,322	1,272	1,253	1,196	1,103	1,202	2,453	1,892	2,194	2,322	2,352
Loans Held for Sale	90,023	92,213	91,596	91,266	607	1,400	4,741	4,415	1,007	378	640
Premises and Equipment, Net	3,193	2,946	2,803	2,649	2,379	1,995	2,088	2,736	2,187	2,808	2,794
Goodwill	2,416	2,416	2,416	2,445	2,478	4,252	4,258	4,514	4,915	4,919	4,918
Intangible Assets	15	12	9.00	27	40	201	139	156	169	125	90
Other Assets	17,013	11,421	11,342	10,474	10,135	12,981	45,581	47,137	24,183	36,357	31,681
Total Liabilities & Shareholders' Equity	138,706	141,048	142,177	142,081	146,069	169,369	204,680	211,116	207,452	214,574	212,927
Total Liabilities	123,041	125,178	125,945	125,861	129,819	148,166	181,569	188,906	190,125	195,402	193,282
Non-Interest Bearing Deposits	34,809	36,267	35,782	35,276	32,116	35,968	57,711	65,088	53,125	43,146	41,038
Interest Bearing Deposits	66,903	66,938	68,039	67,886	76,719	91,094	101,370	104,236	110,565	125,766	126,214
Federal Funds Purchased and Securities Sold	144	151	132	174	1,925	260	300	281	180	193	204
Short-Term Debt	1,556	1,507	3,535	4,012	573	1,011	1,192	980	4,838	2,861	4,450
Other Short-Term Payables	-	-	-	-	1,562	2,441	2,614	-	1,822	2,195	2,137
Long-Term Debt	14,967	15,810	14,388	14,904	14,426	14,970	14,973	11,821	13,714	16,380	14,337
Other Long-Term Liabilities	4,662	4,505	4,069	3,609	2,498	2,422	3,409	6,500	5,881	4,861	4,902
Total Equity & Noncontrolling Interests	15,665	15,870	16,232	16,220	16,250	21,203	23,111	22,210	17,327	19,172	19,645
Total Preferred & Common Equity	15,626	15,839	16,205	16,200	16,250	21,203	23,111	22,210	17,327	19,172	19,645
Preferred Stock	1,331	1,331	1,331	1,331	1,331	1,770	2,116	2,116	2,116	2,116	2,116
Total Common Equity	14,295	14,508	14,874	14,869	14,919	19,433	20,995	20,094	15,211	17,056	17,529
Common Stock	4,697	4,717	4,807	4,841	4,924	5,650	5,686	5,675	5,735	5,808	5,855
Retained Earnings	11,141	12,358	13,441	14,957	16,578	18,315	18,384	20,236	21,689	22,997	24,150
Treasury Stock	-1,972	-2,764	-3,433	-5,002	-6,471	-5,724	-5,676	-7,024	-7,103	-7,262	-7,840
Accumulated Other Comprehensive Income / (Loss)	429	197	59	73	-112	1,192	2,601	1,207	-5,110	-4,487	-4,636

This table presents Fifth Third Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Total Assets	207,452	208,657	207,276	212,967	214,574	214,506	213,262	214,318	212,927	212,669	209,991
Cash and Due from Banks	3,466	2,780	2,594	2,837	3,142	2,796	2,837	3,215	3,014	3,009	2,972
Trading Account Securities	52,239	52,218	50,801	49,367	51,933	51,842	52,037	53,358	52,351	52,585	51,628
Loans and Leases, Net of Allowance	119,286	120,642	119,564	117,748	114,912	114,167	114,291	114,363	117,439	119,807	119,984
Loans and Leases	121,480	122,857	121,891	120,088	117,234	116,485	116,579	116,668	119,791	122,191	122,396
Allowance for Loan and Lease Losses	2,194	2,215	2,327	2,340	2,322	2,318	2,288	2,305	2,352	2,384	2,412
Loans Held for Sale	1,007	749	760	614	378	339	537	612	640	473	646
Premises and Equipment, Net	2,187	2,797	2,812	2,783	2,808	2,803	2,781	2,782	2,794	2,820	2,904
Goodwill	4,915	4,915	4,919	4,919	4,919	4,918	4,918	4,918	4,918	4,918	4,918
Intangible Assets	169	157	146	136	125	115	107	98	90	82	75
Other Assets	24,183	24,399	25,680	34,563	36,357	37,526	35,754	34,972	31,681	28,975	26,864
Total Liabilities & Shareholders' Equity	207,452	208,657	207,276	212,967	214,574	214,506	213,262	214,318	212,927	212,669	209,991
Total Liabilities	190,125	190,293	189,467	196,423	195,402	195,488	194,036	193,534	193,282	192,266	188,867
Non-Interest Bearing Deposits	53,125	49,649	45,264	43,844	43,146	41,849	40,617	41,393	41,038	40,855	42,174
Interest Bearing Deposits	110,565	113,326	118,864	123,828	125,766	127,738	126,151	126,947	126,214	124,650	122,033
Federal Funds Purchased and Securities Sold	180	177	163	205	193	247	194	169	204	227	178
Short-Term Debt	4,838	7,364	5,817	4,594	2,861	2,866	3,370	1,424	4,450	5,457	3,393
Other Short-Term Payables	1,822	1,577	1,765	1,834	2,195	1,965	2,040	2,034	2,137	1,722	1,970
Long-Term Debt	13,714	12,893	12,278	16,310	16,380	15,444	16,293	17,096	14,337	14,539	14,492
Other Long-Term Liabilities	5,881	5,307	5,316	5,808	4,861	5,379	5,371	4,471	4,902	4,816	4,627
Total Equity & Noncontrolling Interests	17,327	18,364	17,809	16,544	19,172	19,018	19,226	20,784	19,645	20,403	21,124
Total Preferred & Common Equity	17,327	18,364	17,809	16,544	19,172	19,018	19,226	20,784	19,645	20,403	21,124
Preferred Stock	2,116	2,116	2,116	2,116	2,116	2,116	2,116	2,116	2,116	2,116	2,116
Total Common Equity	15,211	16,248	15,693	14,428	17,056	16,902	17,110	18,668	17,529	18,287	19,008
Common Stock	5,735	5,733	5,759	5,784	5,808	5,793	5,815	5,835	5,855	5,824	5,845
Retained Earnings	21,689	22,032	22,366	22,747	22,997	23,224	23,542	23,820	24,150	24,377	24,718
Treasury Stock	-7,103	-7,272	-7,266	-7,264	-7,262	-7,227	-7,346	-7,541	-7,840	-8,019	-8,009
Accumulated Other Comprehensive Income / (Loss)	-5,110	-4,245	-5,166	-6,839	-4,487	-4,888	-4,901	-3,446	-4,636	-3,895	-3,546

This table displays calculated financial ratios and metrics derived from Fifth Third Bancorp's official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-10.84%	8.00%	-3.44%	11.27%	-1.31%	20.25%	-8.65%	3.63%	6.17%	3.98%	-2.63%
EBITDA Growth	-21.35%	14.91%	-5.17%	24.77%	-5.87%	17.57%	-37.70%	68.89%	-8.72%	-2.24%	-1.13%
EBIT Growth	-21.94%	16.62%	-6.64%	34.92%	-7.18%	15.80%	-43.88%	95.72%	-12.06%	-3.39%	-2.41%
NOPAT Growth	-18.78%	15.04%	-9.55%	41.28%	0.60%	14.55%	-43.19%	94.11%	-11.70%	-3.97%	-1.49%
Net Income Growth	-18.78%	15.04%	-9.55%	41.28%	0.60%	14.55%	-43.19%	94.11%	-11.70%	-3.97%	-1.49%
EPS Growth	-17.82%	21.08%	-4.98%	47.12%	8.90%	8.82%	-45.05%	103.83%	-10.19%	-3.88%	-2.48%
Operating Cash Flow Growth	-54.82%	-101.93%	5,327.50%	-29.22%	92.97%	-36.13%	-79.66%	628.84%	137.72%	-29.85%	-37.37%
Free Cash Flow Firm Growth	-218.36%	113.96%	-18.67%	108.52%	407.09%	-156.30%	80.57%	1,157.89%	-77.57%	-111.72%	1,340.54%
Invested Capital Growth	25.54%	3.10%	2.92%	2.87%	-11.06%	18.99%	5.63%	-10.86%	2.48%	7.06%	0.05%
Revenue Q/Q Growth	-1.10%	7.68%	-7.05%	0.13%	1.82%	7.86%	-3.71%	0.24%	4.00%	-1.72%	0.14%
EBITDA Q/Q Growth	-1.29%	18.05%	-9.89%	-2.30%	-0.51%	14.06%	-9.56%	-1.90%	6.58%	-7.01%	3.84%
EBIT Q/Q Growth	-2.03%	22.10%	-11.82%	-1.72%	-0.54%	12.47%	-9.70%	2.36%	2.79%	-8.09%	4.18%
NOPAT Q/Q Growth	-1.13%	18.80%	-15.27%	5.67%	-1.79%	12.60%	-8.35%	2.14%	3.12%	-8.10%	4.05%
Net Income Q/Q Growth	-1.13%	18.80%	-15.27%	5.67%	-1.79%	12.60%	-8.35%	2.14%	3.12%	-8.10%	4.05%
EPS Q/Q Growth	-1.19%	21.82%	-13.96%	6.04%	1.32%	8.47%	-7.58%	3.04%	3.40%	-8.26%	4.67%
Operating Cash Flow Q/Q Growth	11.37%	-102.15%	727.93%	-70.50%	718.34%	32.75%	-89.07%	1,058.87%	12.83%	-0.02%	-43.49%
Free Cash Flow Firm Q/Q Growth	-6.79%	130.16%	-37.64%	-61.86%	-12.09%	45.40%	-130.08%	-0.78%	-35.27%	-180.30%	523.64%
Invested Capital Q/Q Growth	-0.99%	-8.55%	-8.16%	-2.69%	-0.56%	-6.86%	0.02%	0.34%	3.02%	2.58%	-2.22%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.35%	42.93%	42.16%	47.28%	45.09%	44.09%	30.07%	49.01%	42.14%	39.62%	40.23%
EBIT Margin	33.51%	36.18%	34.99%	42.42%	39.90%	38.43%	23.61%	44.59%	36.93%	34.31%	34.39%
Profit (Net Income) Margin	24.50%	26.10%	24.45%	31.05%	31.65%	30.15%	18.75%	35.12%	29.21%	26.98%	27.29%
Tax Burden Percent	73.13%	72.14%	69.88%	73.18%	79.31%	78.45%	79.41%	78.76%	79.08%	78.61%	79.36%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	26.87%	27.86%	30.12%	26.82%	20.69%	21.55%	20.59%	21.24%	20.92%	21.39%	20.64%
Return on Invested Capital (ROIC)	5.13%	5.22%	4.58%	6.29%	6.61%	7.34%	3.73%	7.46%	6.90%	6.32%	6.02%
ROIC Less NNEP Spread (ROIC-NNEP)	5.13%	5.22%	4.58%	6.29%	6.61%	7.34%	3.73%	7.46%	6.90%	6.32%	6.02%
Return on Net Nonoperating Assets (RNNOA)	4.66%	5.60%	5.03%	7.14%	6.90%	6.07%	2.71%	4.77%	5.47%	6.55%	5.90%
Return on Equity (ROE)	9.79%	10.82%	9.61%	13.44%	13.51%	13.41%	6.44%	12.22%	12.37%	12.87%	11.92%
Cash Return on Invested Capital (CROIC)	-17.52%	2.16%	1.71%	3.46%	18.32%	-10.00%	-1.74%	18.94%	4.45%	-0.50%	5.97%
Operating Return on Assets (OROA)	1.51%	1.69%	1.56%	2.10%	1.92%	2.03%	0.96%	1.69%	1.48%	1.42%	1.36%
Return on Assets (ROA)	1.10%	1.22%	1.09%	1.53%	1.52%	1.59%	0.76%	1.33%	1.17%	1.11%	1.08%
Return on Common Equity (ROCE)	9.00%	9.88%	8.80%	12.31%	12.39%	12.30%	5.88%	11.08%	11.05%	11.38%	10.62%
Return on Equity Simple (ROE_SIMPLE)	9.49%	10.77%	9.52%	13.46%	13.50%	11.85%	6.17%	12.47%	14.12%	12.25%	11.78%
Net Operating Profit after Tax (NOPAT)	1,483	1,706	1,543	2,180	2,193	2,512	1,427	2,770	2,446	2,349	2,314
NOPAT Margin	24.50%	26.10%	24.45%	31.05%	31.65%	30.15%	18.75%	35.12%	29.21%	26.98%	27.29%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	34.62%	33.57%	35.86%	32.61%	42.74%	41.56%	46.45%	45.27%	42.27%	43.21%	45.34%
Operating Expenses to Revenue	61.29%	57.76%	59.58%	53.86%	57.11%	55.92%	61.98%	60.19%	56.35%	59.77%	59.36%
Earnings before Interest and Taxes (EBIT)	2,028	2,365	2,208	2,979	2,765	3,202	1,797	3,517	3,093	2,988	2,916
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	2,442	2,806	2,661	3,320	3,125	3,674	2,289	3,866	3,529	3,450	3,411
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.85	0.82	1.05	1.13	0.83	0.93	0.82	1.34	1.36	1.33	1.62
Price to Tangible Book Value (P/TBV)	1.03	0.98	1.25	1.35	1.00	1.21	1.04	1.74	2.04	1.88	2.26
Price to Revenue (P/Rev)	2.01	1.82	2.47	2.38	1.79	2.18	2.26	3.40	2.47	2.60	3.34
Price to Earnings (P/E)	8.61	7.26	10.58	7.95	5.85	7.49	13.01	10.09	8.87	10.23	13.16
Dividend Yield	3.45%	3.48%	2.57%	2.53%	3.92%	3.68%	4.47%	2.91%	4.19%	4.09%	3.41%
Earnings Yield	11.62%	13.78%	9.45%	12.58%	17.10%	13.35%	7.69%	9.91%	11.28%	9.77%	7.60%
Enterprise Value to Invested Capital (EV/IC)	0.84	0.84	0.95	0.98	0.83	0.88	0.82	1.11	1.06	1.06	1.20
Enterprise Value to Revenue (EV/Rev)	4.46	4.29	5.14	4.91	3.76	3.91	4.25	4.91	4.52	4.69	5.45
Enterprise Value to EBITDA (EV/EBITDA)	11.04	9.98	12.20	10.39	8.33	8.87	14.13	10.02	10.73	11.84	13.56
Enterprise Value to EBIT (EV/EBIT)	13.30	11.85	14.70	11.57	9.42	10.18	18.00	11.02	12.24	13.67	15.86
Enterprise Value to NOPAT (EV/NOPAT)	18.19	16.42	21.04	15.82	11.87	12.98	22.66	13.99	15.48	17.39	19.98
Enterprise Value to Operating Cash Flow (EV/OCF)	12.99	0.00	15.53	23.30	9.12	17.87	87.18	14.33	5.89	9.06	16.37
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	39.63	56.46	28.76	4.28	0.00	0.00	5.51	24.00	0.00	20.15
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.05	1.09	1.10	1.17	0.92	0.75	0.70	0.58	1.07	1.00	0.96
Long-Term Debt to Equity	0.96	1.00	0.89	0.92	0.89	0.71	0.65	0.53	0.79	0.85	0.73
Financial Leverage	0.91	1.07	1.10	1.14	1.04	0.83	0.73	0.64	0.79	1.04	0.98
Leverage Ratio	8.89	8.87	8.82	8.76	8.87	8.42	8.44	9.17	10.59	11.56	11.01
Compound Leverage Factor	8.89	8.87	8.82	8.76	8.87	8.42	8.44	9.17	10.59	11.56	11.01
Debt to Total Capital	51.33%	52.18%	52.48%	53.84%	48.00%	42.98%	41.16%	36.56%	51.71%	50.09%	48.88%
Short-Term Debt to Total Capital	4.83%	4.54%	10.35%	11.42%	1.83%	2.72%	3.03%	2.80%	13.48%	7.45%	11.58%
Long-Term Debt to Total Capital	46.50%	47.64%	42.13%	42.42%	46.16%	40.26%	38.12%	33.76%	38.22%	42.64%	37.30%
Preferred Equity to Total Capital	4.14%	4.01%	3.90%	3.79%	4.26%	4.76%	5.39%	6.04%	5.90%	5.51%	5.51%
Noncontrolling Interests to Total Capital	0.12%	0.09%	0.08%	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	44.41%	43.72%	43.55%	42.32%	47.74%	52.26%	53.46%	57.39%	42.40%	44.40%	45.61%
Debt to EBITDA	6.77	6.17	6.74	5.70	4.80	4.35	7.06	3.31	5.26	5.58	5.51
Net Debt to EBITDA	5.50	5.27	5.84	4.94	3.94	3.46	5.69	2.54	4.27	4.67	4.62
Long-Term Debt to EBITDA	6.13	5.63	5.41	4.49	4.62	4.07	6.54	3.06	3.89	4.75	4.20
Debt to NOPAT	11.14	10.15	11.62	8.68	6.84	6.36	11.33	4.62	7.58	8.19	8.12
Net Debt to NOPAT	9.06	8.66	10.07	7.52	5.62	5.06	9.12	3.54	6.17	6.85	6.82
Long-Term Debt to NOPAT	10.09	9.27	9.32	6.84	6.58	5.96	10.49	4.27	5.61	6.97	6.20
Noncontrolling Interest Sharing Ratio	8.06%	8.66%	8.47%	8.35%	8.26%	8.28%	8.77%	9.34%	10.70%	11.59%	10.90%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-5,066	707	575	1,199	6,080	-3,423	-665	7,035	1,578	-185	2,295
Operating Cash Flow to CapEx	804.65%	-31.50%	909.13%	774.87%	3,709.09%	852.34%	114.15%	1,032.06%	1,367.66%	1,071.02%	868.92%
Free Cash Flow to Firm to Interest Expense	-11.23	1.43	0.99	1.74	5.83	-2.35	-0.84	15.95	1.61	-0.05	0.48
Operating Cash Flow to Interest Expense	4.60	-0.08	3.62	2.14	2.74	1.25	0.47	6.13	6.57	1.15	0.59
Operating Cash Flow Less CapEx to Interest Expense	4.03	-0.34	3.22	1.87	2.66	1.11	0.06	5.54	6.09	1.04	0.52
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	1.88	2.13	2.20	2.58	2.76	3.81	3.73	3.27	3.40	3.49	3.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	32,188	33,187	34,155	35,136	31,249	37,184	39,276	35,011	35,879	38,413	38,432
Invested Capital Turnover	0.21	0.20	0.19	0.20	0.21	0.24	0.20	0.21	0.24	0.23	0.22
Increase / (Decrease) in Invested Capital	6,549	999	968	981	-3,887	5,935	2,092	-4,265	868	2,534	19
Enterprise Value (EV)	26,969	28,016	32,463	34,480	26,034	32,598	32,342	38,755	37,866	40,852	46,240
Market Capitalization	12,167	11,877	15,574	16,727	12,385	18,125	17,208	26,832	20,664	22,637	28,351
Book Value per Share	$17.35	$18.26	$19.68	$21.07	$22.76	$27.38	$29.47	$29.39	$22.16	$25.04	$26.14
Tangible Book Value per Share	$14.40	$15.21	$16.48	$17.57	$18.92	$21.11	$23.30	$22.56	$14.75	$17.64	$18.67
Total Capital	32,188	33,187	34,155	35,136	31,249	37,184	39,276	35,011	35,879	38,413	38,432
Total Debt	16,523	17,317	17,923	18,916	14,999	15,981	16,165	12,801	18,552	19,241	18,787
Total Long-Term Debt	14,967	15,810	14,388	14,904	14,426	14,970	14,973	11,821	13,714	16,380	14,337
Net Debt	13,432	14,777	15,531	16,402	12,318	12,703	13,018	9,807	15,086	16,099	15,773
Capital Expenditures (CapEx)	258	127	230	191	77	214	325	262	470	421	325
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	16,523	17,317	17,923	18,916	14,999	15,981	16,165	12,801	18,552	19,241	18,787
Total Depreciation and Amortization (D&A)	414	441	453	341	360	472	492	349	436	462	495
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.68	$2.03	$1.95	$2.88	$3.11	$3.38	$1.84	$3.78	$3.38	$3.23	$3.16
Adjusted Weighted Average Basic Shares Outstanding	833.12M	798.63M	757.43M	728.29M	673.35M	710.43M	714.73M	702.19M	688.63M	684.17M	682.16M
Adjusted Diluted Earnings per Share	$1.66	$2.01	$1.93	$2.83	$3.06	$3.33	$1.83	$3.73	$3.35	$3.22	$3.14
Adjusted Weighted Average Diluted Shares Outstanding	842.97M	807.66M	764.50M	740.69M	685.49M	720.07M	719.74M	711.20M	694.95M	687.68M	687.30M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	814.77M	783.23M	750.86M	694.21M	647.26M	709.55M	708.70M	683.68M	678.59M	681.22M	665.62M
Normalized Net Operating Profit after Tax (NOPAT)	1,483	1,706	1,543	2,180	2,193	2,512	1,427	2,770	2,446	2,349	2,314
Normalized NOPAT Margin	24.50%	26.10%	24.45%	31.05%	31.65%	30.15%	18.75%	35.12%	29.21%	26.98%	27.29%
Pre Tax Income Margin	33.51%	36.18%	34.99%	42.42%	39.90%	38.43%	23.61%	44.59%	36.93%	34.31%	34.39%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.50	4.78	3.82	4.31	2.65	2.20	2.27	7.98	3.16	0.76	0.61
NOPAT to Interest Expense	3.29	3.45	2.67	3.15	2.10	1.72	1.81	6.28	2.50	0.60	0.48
EBIT Less CapEx to Interest Expense	3.92	4.52	3.42	4.03	2.58	2.05	1.86	7.38	2.68	0.65	0.54
NOPAT Less CapEx to Interest Expense	2.72	3.19	2.27	2.88	2.03	1.58	1.39	5.69	2.02	0.49	0.41
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	33.04%	0.00%	29.42%	23.17%	25.76%	29.98%	60.13%	32.38%	37.90%	45.13%	50.82%
Augmented Payout Ratio	77.14%	49.82%	72.26%	96.79%	92.02%	100.16%	60.13%	82.67%	41.99%	53.64%	77.83%

This table displays calculated financial ratios and metrics derived from Fifth Third Bancorp's official financial filings.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	16.19%	17.78%	8.34%	-0.78%	-6.58%	-5.38%	-4.63%	-0.98%	0.56%	1.77%	7.83%
EBITDA Growth	27.05%	15.81%	6.84%	1.05%	-25.39%	-5.87%	-0.67%	-11.45%	16.49%	0.25%	7.01%
EBIT Growth	10.14%	17.32%	7.04%	0.12%	-28.84%	-8.36%	-1.42%	-13.95%	18.03%	-0.76%	5.76%
NOPAT Growth	11.16%	12.96%	6.94%	1.07%	-28.09%	-6.81%	0.00%	-13.18%	16.98%	-0.96%	4.49%
Net Income Growth	11.16%	12.96%	6.94%	1.07%	-28.09%	-6.81%	0.00%	-13.18%	16.98%	-0.96%	4.49%
EPS Growth	12.36%	14.71%	7.89%	0.00%	-29.00%	-10.26%	-1.22%	-14.29%	19.72%	1.43%	8.64%
Operating Cash Flow Growth	54.47%	-21.70%	-49.90%	-62.81%	-0.05%	-70.78%	41.46%	192.45%	-104.87%	219.43%	92.34%
Free Cash Flow Firm Growth	-102.66%	-187.63%	4,997.14%	-372.88%	-1,429.77%	129.25%	-239.09%	34.61%	129.99%	-240.98%	121.31%
Invested Capital Growth	2.48%	21.21%	-3.01%	7.53%	7.06%	-3.35%	8.31%	4.96%	0.05%	8.23%	0.31%
Revenue Q/Q Growth	6.50%	-4.24%	-1.36%	-1.37%	0.28%	-3.01%	-0.57%	2.40%	1.83%	-1.84%	5.35%
EBITDA Q/Q Growth	7.68%	-18.46%	6.59%	7.98%	-20.50%	2.88%	12.47%	-3.73%	4.58%	-11.46%	20.05%
EBIT Q/Q Growth	7.93%	-21.27%	7.94%	9.16%	-23.29%	1.39%	16.11%	-4.71%	5.22%	-14.75%	23.74%
NOPAT Q/Q Growth	12.86%	-24.29%	7.71%	9.82%	-19.70%	-1.89%	15.58%	-4.66%	8.20%	-16.94%	21.94%
Net Income Q/Q Growth	12.86%	-24.29%	7.71%	9.82%	-19.70%	-1.89%	15.58%	-4.66%	8.20%	-16.94%	21.94%
EPS Q/Q Growth	9.89%	-22.00%	5.13%	10.98%	-21.98%	-1.41%	15.71%	-3.70%	8.97%	-16.47%	23.94%
Operating Cash Flow Q/Q Growth	21.23%	-36.28%	-63.66%	32.50%	225.79%	-81.37%	75.91%	173.93%	-105.43%	1,320.79%	5.92%
Free Cash Flow Firm Q/Q Growth	-118.22%	-4,632.06%	127.65%	-214.47%	-2.14%	190.47%	-231.49%	46.18%	146.84%	-525.29%	119.87%
Invested Capital Q/Q Growth	3.02%	7.64%	-7.04%	4.30%	2.58%	-2.82%	4.18%	1.07%	-2.22%	5.12%	-3.44%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	44.31%	37.73%	40.77%	44.64%	35.39%	37.54%	42.46%	39.92%	40.99%	36.98%	42.14%
EBIT Margin	39.46%	32.44%	35.50%	39.29%	30.06%	31.42%	36.70%	34.15%	35.28%	30.64%	35.99%
Profit (Net Income) Margin	31.89%	25.21%	27.53%	30.65%	24.55%	24.83%	28.87%	26.88%	28.56%	24.17%	27.97%
Tax Burden Percent	80.81%	77.72%	77.55%	78.01%	81.66%	79.03%	78.66%	78.71%	80.94%	78.87%	77.72%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.19%	22.28%	22.45%	21.99%	18.34%	20.97%	21.34%	21.29%	19.06%	21.13%	22.28%
Return on Invested Capital (ROIC)	7.54%	6.23%	6.70%	7.52%	5.75%	5.62%	6.55%	5.93%	6.30%	5.30%	6.23%
ROIC Less NNEP Spread (ROIC-NNEP)	7.54%	6.23%	6.70%	7.52%	5.75%	5.62%	6.55%	5.93%	6.30%	5.30%	6.23%
Return on Net Nonoperating Assets (RNNOA)	5.98%	5.16%	6.59%	8.81%	5.96%	5.79%	6.68%	6.26%	6.17%	5.15%	5.80%
Return on Equity (ROE)	13.51%	11.40%	13.29%	16.32%	11.71%	11.41%	13.23%	12.19%	12.48%	10.44%	12.03%
Cash Return on Invested Capital (CROIC)	4.45%	-12.05%	10.04%	-0.18%	-0.50%	9.49%	-1.80%	0.96%	5.97%	-1.96%	5.69%
Operating Return on Assets (OROA)	1.58%	1.35%	1.52%	1.66%	1.24%	1.28%	1.48%	1.35%	1.40%	1.22%	1.48%
Return on Assets (ROA)	1.28%	1.05%	1.18%	1.30%	1.01%	1.01%	1.17%	1.07%	1.13%	0.96%	1.15%
Return on Common Equity (ROCE)	12.06%	10.14%	11.76%	14.25%	10.36%	10.12%	11.72%	10.81%	11.12%	9.32%	10.77%
Return on Equity Simple (ROE_SIMPLE)	0.00%	13.67%	14.31%	15.45%	0.00%	12.15%	12.02%	10.70%	0.00%	11.32%	11.06%
Net Operating Profit after Tax (NOPAT)	737	558	601	660	530	520	601	573	620	515	628
NOPAT Margin	31.89%	25.21%	27.53%	30.65%	24.55%	24.83%	28.87%	26.88%	28.56%	24.17%	27.97%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	39.55%	46.18%	41.87%	41.80%	42.94%	50.19%	44.43%	44.84%	42.01%	48.33%	44.14%
Operating Expenses to Revenue	52.70%	60.14%	56.39%	55.18%	67.39%	64.09%	58.65%	58.35%	56.47%	61.19%	56.30%
Earnings before Interest and Taxes (EBIT)	912	718	775	846	649	658	764	728	766	653	808
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,024	835	890	961	764	786	884	851	890	788	946
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.36	1.05	1.09	1.15	1.33	1.48	1.46	1.55	1.62	1.43	1.44
Price to Tangible Book Value (P/TBV)	2.04	1.53	1.61	1.77	1.88	2.11	2.07	2.12	2.26	1.96	1.96
Price to Revenue (P/Rev)	2.47	1.96	1.92	1.87	2.60	2.92	2.94	3.42	3.34	3.06	3.16
Price to Earnings (P/E)	8.87	7.15	7.04	6.86	10.23	11.63	11.58	14.04	13.16	12.12	12.58
Dividend Yield	4.19%	5.12%	5.26%	5.50%	4.09%	3.75%	3.84%	3.31%	3.41%	3.72%	3.60%
Earnings Yield	11.28%	13.99%	14.21%	14.57%	9.77%	8.60%	8.64%	7.12%	7.60%	8.25%	7.95%
Enterprise Value to Invested Capital (EV/IC)	1.06	0.95	0.97	0.98	1.06	1.14	1.13	1.18	1.20	1.12	1.14
Enterprise Value to Revenue (EV/Rev)	4.52	4.21	3.91	4.15	4.69	4.97	5.17	5.48	5.45	5.31	5.13
Enterprise Value to EBITDA (EV/EBITDA)	10.73	10.07	9.38	9.91	11.84	12.56	12.93	14.13	13.56	13.24	12.80
Enterprise Value to EBIT (EV/EBIT)	12.24	11.47	10.68	11.31	13.67	14.59	15.05	16.58	15.86	15.53	15.05
Enterprise Value to NOPAT (EV/NOPAT)	15.48	14.61	13.61	14.39	17.39	18.49	19.00	20.87	19.98	19.57	19.04
Enterprise Value to Operating Cash Flow (EV/OCF)	5.89	6.05	6.21	8.16	9.06	11.95	11.64	9.29	16.37	12.31	10.35
Enterprise Value to Free Cash Flow (EV/FCFF)	24.00	0.00	9.47	0.00	0.00	11.85	0.00	126.13	20.15	0.00	20.07
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.07	1.10	1.02	1.26	1.00	0.96	1.02	0.89	0.96	0.98	0.85
Long-Term Debt to Equity	0.79	0.70	0.69	0.99	0.85	0.81	0.85	0.82	0.73	0.71	0.69
Financial Leverage	0.79	0.83	0.98	1.17	1.04	1.03	1.02	1.06	0.98	0.97	0.93
Leverage Ratio	10.59	10.90	11.26	12.57	11.56	11.32	11.36	11.45	11.01	10.84	10.49
Compound Leverage Factor	10.59	10.90	11.26	12.57	11.56	11.32	11.36	11.45	11.01	10.84	10.49
Debt to Total Capital	51.71%	52.45%	50.40%	55.82%	50.09%	49.05%	50.56%	47.12%	48.88%	49.50%	45.85%
Short-Term Debt to Total Capital	13.48%	19.07%	16.20%	12.27%	7.45%	7.68%	8.67%	3.62%	11.58%	13.51%	8.70%
Long-Term Debt to Total Capital	38.22%	33.38%	34.20%	43.55%	42.64%	41.37%	41.90%	43.50%	37.30%	35.99%	37.15%
Preferred Equity to Total Capital	5.90%	5.48%	5.89%	5.65%	5.51%	5.67%	5.44%	5.38%	5.51%	5.24%	5.42%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	42.40%	42.07%	43.71%	38.53%	44.40%	45.28%	44.00%	47.50%	45.61%	45.27%	48.73%
Debt to EBITDA	5.26	5.56	4.89	5.63	5.58	5.38	5.79	5.64	5.51	5.86	5.15
Net Debt to EBITDA	4.27	4.80	4.19	4.87	4.67	4.56	4.96	4.66	4.62	4.98	4.29
Long-Term Debt to EBITDA	3.89	3.54	3.32	4.40	4.75	4.54	4.80	5.20	4.20	4.26	4.17
Debt to NOPAT	7.58	8.07	7.10	8.18	8.19	7.92	8.51	8.33	8.12	8.66	7.66
Net Debt to NOPAT	6.17	6.96	6.08	7.07	6.85	6.71	7.28	6.88	6.82	7.36	6.38
Long-Term Debt to NOPAT	5.61	5.14	4.82	6.38	6.97	6.68	7.05	7.69	6.20	6.30	6.20
Noncontrolling Interest Sharing Ratio	10.70%	10.98%	11.51%	12.72%	11.59%	11.32%	11.43%	11.34%	10.90%	10.74%	10.49%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-131	-6,199	1,714	-1,962	-2,004	1,813	-2,384	-1,283	601	-2,556	508
Operating Cash Flow to CapEx	1,363.82%	1,451.65%	393.44%	757.14%	1,670.97%	941.46%	917.57%	1,917.53%	-89.38%	948.46%	683.77%
Free Cash Flow to Firm to Interest Expense	-0.26	-8.91	1.88	-1.80	-1.63	1.48	-1.93	-1.03	0.55	-2.57	0.51
Operating Cash Flow to Interest Expense	4.17	1.90	0.53	0.58	1.68	0.32	0.55	1.49	-0.09	1.24	1.32
Operating Cash Flow Less CapEx to Interest Expense	3.87	1.77	0.39	0.51	1.58	0.28	0.49	1.41	-0.20	1.11	1.13
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	3.40	3.56	3.60	3.59	3.49	3.07	3.04	3.04	3.03	3.03	3.05
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	35,879	38,621	35,904	37,448	38,413	37,328	38,889	39,304	38,432	40,399	39,009
Invested Capital Turnover	0.24	0.25	0.24	0.25	0.23	0.23	0.23	0.22	0.22	0.22	0.22
Increase / (Decrease) in Invested Capital	868	6,757	-1,113	2,622	2,534	-1,293	2,985	1,856	19	3,071	120
Enterprise Value (EV)	37,866	36,679	34,694	36,783	40,852	42,723	43,903	46,415	46,240	45,195	44,483
Market Capitalization	20,664	17,086	17,077	16,600	22,637	25,093	24,961	28,994	28,351	26,092	27,454
Book Value per Share	$22.16	$23.94	$23.05	$21.19	$25.04	$24.65	$25.01	$27.58	$26.14	$27.47	$28.48
Tangible Book Value per Share	$14.75	$16.47	$15.61	$13.77	$17.64	$17.31	$17.67	$20.17	$18.67	$19.96	$21.00
Total Capital	35,879	38,621	35,904	37,448	38,413	37,328	38,889	39,304	38,432	40,399	39,009
Total Debt	18,552	20,257	18,095	20,904	19,241	18,310	19,663	18,520	18,787	19,996	17,885
Total Long-Term Debt	13,714	12,893	12,278	16,310	16,380	15,444	16,293	17,096	14,337	14,539	14,492
Net Debt	15,086	17,477	15,501	18,067	16,099	15,514	16,826	15,305	15,773	16,987	14,913
Capital Expenditures (CapEx)	152	91	122	84	124	41	74	97	113	130	191
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	18,552	20,257	18,095	20,904	19,241	18,310	19,663	18,520	18,787	19,996	17,885
Total Depreciation and Amortization (D&A)	112	117	115	115	115	128	120	123	124	135	138
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.02	$0.78	$0.82	$0.91	$0.72	$0.70	$0.82	$0.78	$0.86	$0.71	$0.88
Adjusted Weighted Average Basic Shares Outstanding	688.63M	684.02M	684.03M	684.22M	684.17M	685.75M	686.78M	680.90M	682.16M	671.05M	670.79M
Adjusted Diluted Earnings per Share	$1.00	$0.78	$0.82	$0.91	$0.71	$0.70	$0.81	$0.78	$0.85	$0.71	$0.88
Adjusted Weighted Average Diluted Shares Outstanding	694.95M	689.57M	686.39M	687.06M	687.68M	690.63M	691.08M	686.11M	687.30M	676.04M	674.03M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	678.59M	680.72M	680.89M	681.02M	681.22M	684.04M	676.80M	670.54M	665.62M	667.49M	661.89M
Normalized Net Operating Profit after Tax (NOPAT)	737	558	601	660	530	520	601	573	620	515	628
Normalized NOPAT Margin	31.89%	25.21%	27.53%	30.65%	24.55%	24.83%	28.87%	26.88%	28.56%	24.17%	27.97%
Pre Tax Income Margin	39.46%	32.44%	35.50%	39.29%	30.06%	31.42%	36.70%	34.15%	35.28%	30.64%	35.99%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.84	1.03	0.85	0.78	0.53	0.54	0.62	0.58	0.70	0.66	0.82
NOPAT to Interest Expense	1.48	0.80	0.66	0.60	0.43	0.42	0.49	0.46	0.57	0.52	0.64
EBIT Less CapEx to Interest Expense	1.53	0.90	0.72	0.70	0.43	0.50	0.56	0.51	0.60	0.53	0.62
NOPAT Less CapEx to Interest Expense	1.18	0.67	0.52	0.53	0.33	0.39	0.43	0.38	0.46	0.39	0.44
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	37.90%	39.48%	39.78%	39.55%	45.13%	45.56%	46.21%	52.29%	50.82%	51.36%	50.94%
Augmented Payout Ratio	41.99%	51.43%	51.55%	51.29%	53.64%	45.56%	51.62%	66.91%	77.83%	88.18%	81.98%

Key Financial Trends

Fifth Third Bancorp (NASDAQ: FITB) shows a solid financial performance based on its recent quarterly and annual statements through Q2 2025, with stable earnings growth, manageable credit losses, and a generally strong balance sheet. Below is an overview of key trends and highlights from their cash flow, income, and balance sheet statements over the last four years:

Net Income Growth: The company’s consolidated net income increased from $530 million in Q4 2023 to $628 million in Q2 2025, reflecting steady earnings growth.
Net Interest Income Expansion: Net interest income grew from approximately $1.42 billion in Q3 2023 to $1.50 billion in Q2 2025, supported by higher loans and investment interest income.
Deposit Base Stability: Total deposits remained robust above $160 billion, with a mix of interest-bearing and non-interest-bearing deposits maintained to fund lending operations efficiently.
Strong Operating Cash Flow: Net cash from operating activities was consistently strong with $1.31 billion generated in Q2 2025, indicating good cash generation from core banking activities.
Investment Securities Management: The company effectively managed its investment portfolio, with substantial sales/maturities of investments exceeding purchases, showing prudent liquidity management.
Loan Growth with Reserve Increases: Loans and leases increased over the period from $116.5 billion in Q1 2023 to $122.4 billion in Q2 2025. The allowance for loan and lease losses also increased, currently around $2.41 billion, reflecting cautious reserve building amid credit risk exposure.
Dividend Steadiness: Dividends to common shareholders remained steady at $0.37 per share in recent quarters, aligning with a consistent dividend policy supportive to shareholders.
Share Repurchase Activity: The company engaged in moderate common equity repurchases, totaling around $225 million in Q2 2025, which might indicate an effort to enhance shareholder returns and earnings per share.
Rising Credit Loss Provisions: Despite net income growth, provisions for loan losses increased, with $173 million provisioned in Q2 2025, up from $94 million in Q1 2023, suggesting increased caution on credit quality which could pressure future profitability if trends worsen.
Decrease in Total Equity: Total equity has not shown significant growth and fluctuated around $19 billion in Q2 2025, down from $21 billion in Q1 2024, possibly affected by treasury stock repurchases and accumulated other comprehensive losses impacting shareholders’ equity.

In summary, Fifth Third Bancorp is exhibiting steady earnings growth supported by net interest income expansion and solid cash flows. The bank is managing its balance sheet with a controlled increase in loan reserves and effective liquidity through investment securities. However, rising loan loss provisions and subdued equity growth could be potential areas of concern if these trends continue. Retail investors should monitor these factors alongside broader economic and credit market conditions for future stock performance implications.

08/24/25 01:18 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Fifth Third Bancorp's Financials

When does Fifth Third Bancorp's financial year end?

According to the most recent income statement we have on file, Fifth Third Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Fifth Third Bancorp's net income changed over the last 10 years?

Fifth Third Bancorp's net income appears to be on an upward trend, with a most recent value of $2.31 billion in 2024, rising from $1.48 billion in 2014. The previous period was $2.35 billion in 2023.

How has Fifth Third Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Fifth Third Bancorp's total revenue changed from $6.05 billion in 2014 to $8.48 billion in 2024, a change of 40.1%.

How much debt does Fifth Third Bancorp have?

Fifth Third Bancorp's total liabilities were at $193.28 billion at the end of 2024, a 1.1% decrease from 2023, and a 57.1% increase since 2014.

How much cash does Fifth Third Bancorp have?

In the past 10 years, Fifth Third Bancorp's cash and equivalents has ranged from $2.39 billion in 2016 to $3.47 billion in 2022, and is currently $3.01 billion as of their latest financial filing in 2024.

How has Fifth Third Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Fifth Third Bancorp's book value per share changed from 17.35 in 2014 to 26.14 in 2024, a change of 50.7%.

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This page (NASDAQ:FITBP) was last updated on 8/24/2025 by MarketBeat.com Staff

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Fifth Third Bancorp (FITBP) Financials

Key Financial Trends

Frequently Asked Questions About Fifth Third Bancorp's Financials

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Fifth Third Bancorp (FITBP) Financials

Annual Income Statements for Fifth Third Bancorp

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Quarterly Balance Sheets for Fifth Third Bancorp

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Frequently Asked Questions About Fifth Third Bancorp's Financials

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